MBNA

Pros: Accurate statements, excellent service
Cons: Web site needs work

I got a Platinum Visa (how did *that* happen?) from MBNA 5 years ago. The few times I've had to call customer service, they've always been so helpful. Their service is so much better than American Express or any other credit card issuer, and there's no...

Pros: Good customer service
Cons: High interest rate, of course

I've had my MBNA credit card for some time, and I must say that I am pleased for the most part. Any time I have had any questions or needed anything, I call them and the customer service representatives have always been nice and helpful. They usually...

Pros: Interesting card styles. Low APR convenience checks.
Cons: Increasing APR on purchases.

My MBNA MasterCard is just like the other cards I own. I signed up for a 9.9% fixed rate which was excellent. This rate lasted for about 2 years. Then back in October/November or 2002 the card became as bad as all of the rest. They have changed my...

Pros: Good interest rate at beginning
Cons: High interest rate for an uncalled for reason

I received a pre-approved credit card application, filled it out and sent it back in. I was approved for $3000. A very good interest rate. I used it and made payments, more than the minimum, on time.

They raised my credit limited to $5000....

Pros: Nothing
Cons: Deceptive in their practices

My husband and I got this card through his Alumni Association. It was the worst thing we ever did. We pay off our bills each month, so interest rates aren't an issue. However, we found that they were "claiming" we were late with payments,...

Pros: no anual feel, pictures on front, decent APR
Cons: telemarketers will call

As a relative of a former emploee of MBNA i know exactly how ood the cards are. True they are very reliable because MBNA is currently the largest credit card issuer. They gain many of their clients through telemarketing, I know because this is what my...

Pros: None
Cons: Rude, unhelpful customer service. Reduces credit limit if you transfer balance to another card.

I had a credit card from Air Academy Credit Union for probably 20 years, when it was taken over by MBNA. Payments on time, carried a fairly large balance, had a credit limit of $17,600.

When I found a better rate, I did a balance transfer to another card. With my next MBNA statement, I was informed my credit limit had been reduced to $1,000.

Positive it must be a mistake, I called "customer service". They explained my limit was reduced because I was only making the minimum payments. When I explained to THEM that this only meant they stood to make more money from me, the rather snotty guy on the other end wanted to know where I came up with the money to pay off my balance. I said I did a balance transfer. His response was, "Oh, well, that's the way we do things."

The only reason the account is still open is that it is the oldest account I have.

So much for rewarding a longtime customer who shops around for the best rate.

Pros: There are simply no "pros" here.
Cons: The most infuriating aspect is the inability to be in the least bit flexible.

I've been using the same credit-union credit card for the past 19 years and the customer service was great. Recently the Master Card of the Franklin Mint FCU was sold to MBNA. I've had 3 contacts with them so far (two week period). They've been rude and have tried to sell me their "financial services" despite my protests that I simply wanted to change my PIN! They actually tried to charge me $15 to do this, but I demurred. I'd like to cancel and switch, but they own an awful lot of cards.